For the Unexpected

Supplemental insurance complements your existing healthcare coverage to help protect you, your family and your finances in case the unexpected happens.

• Hospital Indemnity Plan

  ---

  The Hospital Indemnity Plan through Voya Financial pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay.

  The plan can also help you with unexpected costs related to your stays, such as eligible healthcare expenses, travel costs and other everyday expenses. Hospital Indemnity Insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

  Voya Hospital Indemnity Plan Benefits

  Type of stay	Cost covered
  Hospital	$100 per day, up to 30 days occurrence
  Critical care unit	$200 per day, up to 15 days per occurrence
  Rehabilitation facility	$50 per day, up to 30 days per occurrence
  There is also an additional $500 coverage for the first day spent in a hospital, critical care unit or rehabilitation center.

• Accident Plan

  ---

  The USG Accident Plan offered by Voya can protect you from the financial impact of an accident by paying benefits for specific injuries and events resulting from a covered accident on or after your coverage effective date. The amounts paid depend on the type of injury and care received.  

  While the plan helps to offset out-of-pocket costs such as emergency care and recovery, or other healthcare expenses like deductibles and copayments, accident insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

  Voya also offers a wellness benefit to help supplement the additional cost of this coverage.  

  Voya Accident Plan Benefits

  Type of care	Cost covered
  Hospital admission	$1,000 per admission
  Hospital confinement	$300 per day, up to 365 days
  Hospital intensive care unit	$475 per day, up to 15 days
  Urgent care	$150 per accident
  Ambulance	$200 per accident; $1,000 for air ambulance
  Open fractures	Up to $500
  Wellness	$50 annually
  Physical therapy	$30 per visit, up to 6 visits
  Sports accident	Additional 25% of accident hospital care, accident care or common injuries benefit if the result of an organized sporting activity; maximum of $1,000

• Critical Illness Plan

  ---

  The Critical Illness plan through Aflac can help you recover from the financial stress of a serious illness. It can assist with out-of-pocket expenses for eligible healthcare, along with other costs like mortgage payments and other living expenses.

  The plan provides cash benefits when an insured person is diagnosed with or treated for a covered critical illness. You will receive a lump-sum benefit to help with eligible out-of-pocket costs that can accompany a covered critical illness. Review a list of covered critical illnesses.

  Critical Illness insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.  

  Benefit options

  You may elect $10,000 or $20,000 for your coverage. Your spouse is eligible to be covered for half the amount of the coverage you elect ($5,000 or $10,000). Children are automatically covered.

  Aflac also offers a Health Screening Benefit (see page 15) to help supplement the additional cost of this coverage.  

More about the plans  

Eligibility. Active, benefits-eligible employees working 30+ hours per week are eligible to enroll, as well as spouses and children up to age 26. No medical questions or tests are required.

Enrollment. You can enroll in and make changes to your USG benefits:

• Within 30 days of your hire or eligibility date.
• At each subsequent Open Enrollment period.

Here is how to enroll:

• Visit oneusgconnect.usg.edu. On the right side of the page, look for Manage My Benefits, then click the appropriate button. Get the details about online enrollment navigation.
• Call the OneUSG Connect - Benefits Call Center at 1-844-5-USGBEN (1-844-587-4236). Expert representatives are available Monday–Friday 8 a.m. to 5 p.m. Eastern time.

Coverage costs. Review monthly rates on the Employee Premiums page. 

Plan details. For more information on these plans, see the Plan Documents page or contact the providers using the Contacts page.